At Home Colorado

COLORADO

ATHOMECOLORADO.COM

COLORADO HOME & REAL ESTATE

CONTRIBUTING WRITERS

Gabe Bodner

Duane Duggan

Tom Kalinski

Erich Menzel

Patty Rhodes

Gary M. Singer

Terri Taydus

ADVERTISING CONSULTANTS

Thais Hafer

Toni McNeill

REAL ESTATE

ADVERTISING DIRECTOR

Mary Romano

MANAGING EDITORS

Greg Stone

Misty Kaiser

Submit your news or home-related events to gstone@dailycamera.com

To advertise, call 303.473.1456.

A Marketing Feature of

REAL ESTATE Terri Broussard of C3 Real Estate Solutions earns Certified Relocation Professional designation

FORT COLLINS (March 13) – C3 Real Estate Solutions is pleased to announce that Terri Broussard has successfully earned the Certi ed Relocation Professional (CRP®) designation.

e CRP® program was introduced in 1990 to formally recognize individuals who demonstrate a comprehensive knowledge of the principles and practices of U.S. employee relocation. More than 11,000 individuals have earned the credential since its inception. CRPs® retain their designation by maintaining membership in the association and earning 30 recerti cation credit hours every three years following their initial certi cation, ensuring they remain current on evolving industry trends.

“In this highly competitive talent landscape, businesses and employees place tremendous value

THINGS TO DO

Growing Gardens Gardening

Class: Front Range Veggie

Gardening 101

March 18, 9-11:30 a.m.

Growing Gardens, 1630 Hawthorn Ave., Boulder, $45 growinggardens.org

Longmont Home Show

March 24, 12-6 p.m.

March 25, 10 a.m.-5 p.m.

March 26, 11 a.m.-4 p.m.

Boulder County Fairgrounds 9595 Nelson Rd., Longmont

on the acquisition of new skills and opportunities for ongoing learning,” said 2018-2019 CRP® Certi cation Review Board Chairman Michael J. Farner, CRP, GMS-T. “For the talent mobility industry, the CRP® designation presents a great way for individuals to engage in both

Vegetable Garden Basics

Presented by High Plains Library District

March 25, 10:30-11:30 a.m.

Price: Free conps.org/home-2/events/ event-listing/#!event-list

Virtual: Gardening With Native Plants Webinar

Presented by Colorado Native Plant Society

March 29, 6-8:30 p.m.

of those, as it requires the mastery of a unique skill set to earn, and an investment in continuing education to maintain.”

e CRP® exam tests candidates› command of corporate mobility policies and programs, real estate, tax considerations, transferee counseling and other services. Exam content is developed under the guidance and expertise of a Worldwide ERC® CRP® Certi cation Review Board and is administered by Scantron (formerly Castle Worldwide), an independent testing consultant and proctor. e exam was o ered via internet-based testing (IBT) format, and candidates participated at test centers in 36 U.S. states, Canada and Argentina. Additional information on the CRP® program is available at worldwideerc.org/ crp-detail.

Gardening for Newcomers

Presented by CSU Extension

April 4, 2-3 p.m.

Senior Services, 103 S. Iowa ave., Lafayette Price: $3 lafayetteco.gov/calendar. aspx?EID=9800

CSU Master Gardeners: Embracing Colorado Gardening

Presented by CSU Extension April 10, Noon-1 p.m.

At Home Colorado is a Marketing Feature that is produced weekly by Prairie Mountain Media. dailycamera.com greeleytribune.com reporterherald.com timescall.com athomecolorado.com

©2022 Prairie Mountain Media.

Price: Free Admission longmonthomeshow.com

Denver Home Show

March 24, 10 a.m.-8 p.m.

March 25, 10 a.m.-8 p.m.

March 26, 10 a.m.-6 p.m. National Western Complex, 4655 Humboldt St., Denver

Price: $10-12 denverhomeshow.com

Price: $25-$35 mylibrary.evanced.info/signup/ eventdetails?eventid=94787

CSU Master Gardeners: Low Water Vegetable Gardening

Presented by CSU Extension

April 3, Noon-1 p.m.

300 N. Adams Ave., Loveland. lovgov.org/Home/Components/ Calendar/Event/102028/20?cur

m=4&cury=2023

300 N. Adams Ave., Loveland. lovgov.org/Home/Components/ Calendar/Event/102028/20?cur

m=4&cury=2023

Virtual: Tremendous Tomatoes

Presented by Northern Colorado Libraries and CSU Extension

April 12, Noon-1 p.m. lovgov.org/Home/Components/ Calendar/Event/101590/20?cur m=4&cury=2023

Terri Broussard

Pending home sales increased in January making the second consecutive month pending home sales rose. e December increase marked the rst upward movement in pending sales since May 2022, according to the National Association of Realtors® (NAR).

All four U.S. regions posted monthly gains for January.

e Western region led the nation with 10.1% growth, followed by the Southern, Midwestern and Northeastern regions marking gains of 8.3%, 7.9% and 6.0%

respectively. However, each region experienced year-over-year drops in transactions, reports NAR.

“An extra bump occurred in the West region because of lower home prices, while gains in the South were due to stronger job growth in that region,” said NAR Chief Economist Lawrence Yun.

e Pending Home Sales Index (PHSI) — a forward-looking indicator of home sales based on contract signings — improved by 8.1% to 82.5% in January. ough yearover-year pending transactions dropped 24.1%.

Yun attributes the improvement in contract signings to falling mortgage rates in December and January, resulting in homes being more a ordable. NAR expects job

growth throughout 2023 and 2024 and a steady drop in the 30-year xed mortgage rate with an average rate of 6.1% and 5.4% in 2023 and 2024, respectively.

Even so, Yun expects annual existinghome sales nationwide to drop 11.1% in 2023 to a total of 4.47 million units, but activity will bottom out in the rst quarter of 2023. e remainder of the year will see incremental improvements. He then anticipates the trend will turn upward signi cantly – improving by 17.7% in 2024 or contract signings for 5.26 million units.

NAR also predicts median existing-home prices will stabilize in most markets when compared to the previous year. e national median home price is projected to decrease this year by 1.6% to $380,100, then increase by 3.1% in 2024 to $391,800.

e PHSI is a leading indicator for the housing sector, based on pending sales of existing homes. A sale is listed as pending when the contract has been signed but the transaction has not closed. e sale usually is nalized within one or two months of signing. e index is based on a sample that covers about 40% of multiple listing service data each month.

Read the full report at nar.realtor/ newsroom/pending-home-sales-improvedfor-second-straight-month-up-8-1-injanuary.

Tom Kalinski is the broker/owner of RE/MAX of Boulder, the local residential real estate company he established in 1977. He was inducted into the Business Hall of Fame in 2016 and has a 40-year background in commercial and residential real estate. For questions, email Tom at tomkalinski33@ gmail.com, call 303.441.5620, or visit boulderco.com.

How can I protect my home against

By Gary M. Singer South Florida Sun Sentinel (TNS)

fake deeds?

advertisements from attorneys looking to help you with your lawsuit or save your house, or if real estate investors start texting you about buying your home, you should investigate to find out why you started getting targeting advertising.

You can monitor what is being filed with the court or in the land records by visiting the clerk’s website and searching for your name. If your name or property shows up, find out why.

Clive

Q: I read an article about people using fake deeds and lawsuits to steal people’s homes. It sounded horrible for the victims and is frightening. How can I protect myself? –

A: Real estate title fraud rarely occurs but is devastating when it does. In the type of scam that was recently in the news, a fraudster will record one or more fake deeds in the public records, then file a quiet title action to attempt to sanitize the transfer.

They will use the actual owner’s name in the lawsuit but have an accomplice served with the lawsuit at a different address. The accomplice then either fails to participate or accepts the allegations being brought.

The fraudsters can get away with this, at least for a while, because our public records and court system are open to the public. In a typical real estate transaction, a deed is signed, notarized, and recorded in your county’s official records. A title company or

attorney typically does this, but anyone who knows how to do it can record a document in the public records.

Along with modern conveniences, technology has made it easier for fraudsters to create a fake deed that looks real. Anyone can file a lawsuit on their own behalf without using an attorney.

The best way to protect yourself is through diligence. Read your mail. If something looks out of the ordinary, check it more carefully and follow up if it does not make sense. Look for changing patterns.

For example, if you start getting

You can call the clerk of the court or property appraiser’s office to see if they can help you understand what is happening. If they cannot help you, speak with an experienced attorney.

Resolving fraud is easier the earlier you catch it. While avoiding becoming a crime victim is impossible, diligence is your best defense.

Gary M. Singer is an attorney and boardcertified as an expert in real estate law. He practices real estate, business litigation and contract law. He frequently consults on general real estate matters and trends with various companies across the nation. Send him questions at sunsentinel.com/ askpro or follow him on Twitter at GarySingerLaw.

since 1990 Would benefit from some updating and in a neighborhood where the median price was $1,464,000 last year, there is room for investment. $1,250,000

2,724 sqft Expanded ranch with 4 BD, 2 BA, full basemen and excellen ADU poten ial located on a quiet street in the coveted Martin Acres neighborhood! Large and comfortable living spaces, built-in cabinets hardwood floors and a fireplace. $1,035,000

Open and light ranch in the Hy View neighborhood features 1,252 sqft,

GARY M. SINGER

1717 IRIS AVE., BOULDER 4 Bedrooms + Office • 3 Bathrooms • 3,375 SQFT • $1,925,000

Built originally in 1910, this beautifully maintained, updated & restored Craftsman-style home sits on an oversized 1/3 ACRE lot, centrally located in Boulder convenient to walking paths, parks, Pearl St, 29th Street & public transportation. The traditional floor plan offers wood flooring, plenty of natural sunlight, updated kitchen and bathrooms, newer windows, lighting, paint & 5 mini-splits for cooling The finished basement with separate entrance could be a great short-term rental. Plenty of room to play in the fenced backyard & don’t miss the bonus/studio space behind the 2-car detached garage.

1.5 ACRES!

14842 IRVING CT., BROOMFIELD 4 Bedrooms • 4 Bathrooms • 3,668 SQFT • $1,795,000

Are you looking for a little elbow room, but close to city conveniences? This gorgeous & custom modern farmhouse sits on 1.5 ACRES & was built NEW in 2018! The floor plan offers a desirable main floor primary suite and incredible Chef ’ s kitchen with huge center island, top of the line appliances, soft close cabinets & drawers & Cambria quartz counters. Upper floor boasts 3 additional bedrooms, a large family room, media room & flexible office space Wonderful outdoor spaces include stamped concrete covered back patio, raised bed gardens, chicken coop & 800+ SQFT outbuilding/workshop

WELCOME TO WESTERLY.

A modern, traditional neighborhood with friendly front porches and nature as its big backyard. Where timeless architecture, exceptional amenities, and a walkable town center meet a sense of community and connection that feels like home, like never before.

TOUR SINGLE-FAMILY HOMES, TOWNHOMES AND VILLAS

T h r i v e H o m e B u i l d e r s C o u r t y a rd H o m e

N E W M O D E L

O P E N S

S AT U R D AY

1 9 2 3 S q u i b L a n e Fo r t C o l l i n s , C O 8 0 5 2 4

B r i d g e w a t e r H o m e s – T h r e e M o d e l s O p e n

L i v e a s g o o d a s h e a l t hy f e e l s

T h r i v e H o m e B u i l d e r s

.

W e l c o m e to S o n d e r s F o r t C o l l i n s , a n e w h o m e c o m m u n i t y t h a t ’s l i f e - e n l i v e n i n g

a n d l i f e - e n r i c h i n g W h e r e l i f e - l o n g l e a r n i n g , h e a l t h a n d w e l l n e s s , s o c i a l

c o n n e c t i o n s , a n d o u r s h a r e d a p p r e c i a t i o n f o r n a t u r e a r e f r o n t a n d c e n t e r

L o w - m a i n t e n a n c e , s i n g l e - l e v e l l i v i n g n e w h o m e s f r o m B r i d g e w a t e r H o m e s

a n d T h r i v e H o m e B u i l d e r s

N e w h o m e s f r o m t h e m i d $ 6 0 0 s | M o d e l s n o w o p e n

L i m i t e d n u m b e r o f w a t e r s i d e c u s t o m h o m e s i t e s f r o m t h e m i d $ 5 0 0 s

S O N D E R S F O R T C O L L I N S C O M

© 2 0 2 3 W a t e r s E d g e D e v e l o p m e n t s I n c A l l p r i c i n g , p r o d u c t s p e c i f i c a t i o n s , p l a n n e d a m e n i t i e s l a n d s c a p i n g a n d t i m i n g i s s u b j e c t t o c h a n g e w i t h o u t p r i o r n o t i c e

COVERPROFILE

A Piece of Longmont Nostalgia

a toasty re. Or, escape to the treetops in the warmer months, on the secluded upstairs deck, located o of the primary bathroom; tucked in among giant shade trees, it is the perfect setting to unwind and escape after a long day.

is home has it all. All of the charm of a bygone era, with all of the modern conveniences desired by today’s homeowner; such as a spacious open kitchen with updated appliances, cherry cabinets and granite countertops, heated oors in the primary bath,16-Zone sprinkler and drip system to nourish the stunning landscaping, low-maintenance vinyl siding with a transferrable warranty, good until 2049, and a beautifully nished basement with workshop.

ere is o -street parking with the option to add a garage if desired.

By Terri Taydus Sponsored Content

You can own a piece of Longmont nostalgia with this gorgeous 1906 home, in the heart of Old Town Longmont. is stunning home has been featured in multiple local newspaper articles over the years, and was the home of Longmont’s “Small Town Girl”, Pattie Ann Nelson, with a full spread featured in Life Magazine in 1948.

Homeowners Tricia and Jerry Boyle have lovingly maintained this home for the past 40 years. Over the years they have added an open family area, updated kitchen and additional dining and living space; all while keeping with the feel and aesthetics of the

original home.

Upon entry, you are greeted by a sweeping staircase, and grand foyer; once used in a Goodyear Superbowl commercial! e warmth of the sitting room replace and the rich wood trim and oors carry the welcoming atmosphere throughout the main oor and make you feel like you are “home” the minute you cross the threshold.

A large, covered front porch and multiple private decks allow for time spent outside to enjoy the gorgeous, mature landscaping, and tranquil setting.

e Old Town Neighborhood feels removed from the everyday hustle and bustle. Here is a place where you can come home, pour your favorite libation, and sit in the cozy sitting room with a good book and

e home truly stands out above the rest. Its excellent condition and attention to detail, as well as the fact that the same homeowners have attended to every maintenance need over the past 40 years, creates a wonderful opportunity for a new homeowner to build their next chapter in Longmont’s most prestigious neighborhood. Located just a few blocks from Downtown Longmont, it’s easy to walk or bike to co ee shops, restaurants, and shopping. Or, stroll a few blocks and enjoy ompson or Roosevelt Parks; with their towering trees and renowned Memorial Rose Garden. Ice skate at Roosevelt Park in the winter, and enjoy live music and events in the warmer months.

Terri Taydus is the broker/owner of Colorado Lifestyles Realty. To schedule a tour call 303.345.3256 or e-mail terri@ColoradoLifestyles.com.

As the home of Longmont’s “Small Town Girl”, Pattie Ann Nelson, the house was featured in Life Magazine in 1948.

(Photos courtesy: Jeeves Drones,/Terri Taydus,/Life Magazine).

The warmth of the sitting room replace and the rich wood trim and oors carry the welcoming atmosphere throughout the main oor and make you feel like you are “home” the minute you cross the threshold. (Photos courtesy: Jeeves Drones/Terri Taydus).

REAL ESTATE

Southern Land Company celebrates grand openings of SLC Homes office and model homes at Westerly in Erie

Milestone events mark SLC’s growth in Denver homebuilding market.

ERIE (March 13) – Southern Land Company (SLC), a national real estate developer of award-winning master-planned communities and mixed-use developments, celebrated milestones related to its growth in the Denver homebuilding market this past weekend.

SLC Homes, SLC’s in-house homebuilding group, opened its new office in downtown Erie on Friday, March 10, with remarks from SLC leadership and local officials, followed by a ribbon-cutting ceremony. The grand opening of their model homes at Westerly, SLC’s new 400-acre master-planned community in Erie, was held on Saturday, March 11 and Sunday, March 12. Model homes debuted from SLC Homes and builder partners McStain Neighborhoods and Wonderland Homes, both well-known, longtime Colorado homebuilders.

“We are grateful to have our talented SLC

Homes team based in the beautiful town of Erie now,”

bring such skill and care

to the homes they build, and I am proud to see their work on display at Westerly. They truly are fulfilling our mission to create the

said Tim Downey, SLC Founder and CEO. “They

Ribbon Cutting for SLC Homes office in Erie was held on Fri., March 10. Those in attendance included: Kelly Zuniga, Planning Commission Chair, Town of Erie; Sara Loflin, Mayor Pro Tem, Town of Erie; Ari Harrison, Trustee, Town of Erie; Justin Brooks, Mayor, Town of Erie; Emily Baer, Trustee, Town of Erie; Tim Downey, Founder and CEO, Southern Land Company; Dan Hoback, Trustee, Town of Erie; Brian Sewell, President and COO, Southern Land Company; Tom Taylor, Ambassador, Erie Chamber of Commerce. (Photo courtesy: Southern Land Company).

extraordinary, and now community members and homebuyers can see it for themselves.”

Westerly marks SLC Homes’ rst community in Colorado. For more than 35 years, SLC Homes has built exclusively in SLC communities and focuses on innovative design, high-end materials, elegant nishes, contemporary conveniences and lush landscaping. Six SLC Homes team members, all of whom live in the northern metro area of Erie, work from the new SLC Homes o ce, collaborating with SLC’s corporate team and a variety of partners. e o ce is headed by TJ Montoya, Vice President, Construction, SLC Homes – Colorado.

“We are thrilled to have a new dedicated o ce so close to Westerly and nally showcase our work with the introduction of our model homes,” said Montoya. “Our team knows this market, and we are eager for members of the community to see the results of our work.”

Montoya added that McStain Neighborhoods and Wonderland Homes continue to be the right builder partners at Westerly, and both McStain Neighborhoods and Wonderland Homes share the sentiment.

“McStain and Wonderland consistently demonstrate their commitment to high quality and creativity, and we are grateful to have them alongside us at Westerly,” said Montoya. “SLC was very careful in identifying the right partners, and I have the privilege of regularly seeing McStain and Wonderland’s talents and skills on display at Westerly, and now the broader community can, too.”

“We couldn’t be more thrilled to roll out our premier collection of homes in this exquisitely planned community with our amazing partners at SLC,” said Danielle Davis, Vice President, Sales and Marketing for McStain Neighborhoods. “Our collaborative e orts, attention to detail and true love for the community will leave prospective buyers with a feeling that Westerly has risen above all the rest to something truly extraordinary.”

“We appreciate this unique opportunity to build on our history here in Colorado and

contribute to a one-of-a-kind neighborhood alongside two other great homebuilders,” said Mike Davidson, Director of Sales for Wonderland Homes. “We look forward to introducing two collections of beautifully designed and well-crafted homes in Westerly.”

Upon completion, Westerly will consist of approximately 1,200 homes featuring diverse designs, within a traditional neighborhood setting. It will include a variety of trails, as well as expansive views of Longs Peak and the entire Front Range. More than 100 acres of the community will be parks and open spaces. A community village center is planned, which is expected to include a mixture of restaurants, shops, and neighborhood services. In addition, Westerly will feature gathering areas for tness and outdoor recreation, including a swimming pool, great lawn, and various play areas. ere will also be an approximately 5,000-squarefoot indoor space for community gatherings and indoor tness.

Home sales at Westerly are underway at Westerly. A community grand opening is expected to take place this summer.

Westerly has already made — and will

continue to make — a positive economic impact locally. Since beginning work on Westerly, SLC has created 10 full-time jobs dedicated to the project, which resulted in the opening of the SLC Homes o ce in downtown Erie. e company expects to add approximately 15 full-time jobs by March 2024, as construction in the community continues.

SLC has extensive experience designing and developing master-planned and singlefamily communities in other parts of the U.S. In December 2022, SLC’s agship masterplanned community in Franklin, Tenn., Westhaven, won a Best in American Living™ Award from the National Association of Home Builders (NAHB), a prominent accolade recognizing achievement by builders and design professionals in the residential housing industry. Also in Tennessee, SLC has a 373acre master-planned community underway in Nolensville. In Texas, SLC designed and developed Tucker Hill in McKinney.

To learn more and receive updates on Westerly, visit westerlycolorado.com.

By Erich Menzel President Loveland-Berthoud Association of REALTORS®

LOVELAND – Well hello, can you believe that we are already into March? That means that the spring home selling season is upon us! There has been a lot going on in the real estate industry lately and I wanted to fill you in on some of it. Rest assured, the entire Realtor® organization has been working hard at the national, state, and local levels to help Americans achieve the dream of homeownership. Do you remember the beginning of the pandemic when everything was shut down, including real estate? Within a couple of weeks, our team was able to convince elected officials that home buying and selling was essential allowing showings to begin again and deals to happen. According to the National Association of Realtors® the real estate industry was responsible for almost 17% of the GDP in 2021 (Real Trends), that’s huge at a time when many industries were struggling. As you are considering selling your home there will be a lot of questions, fortunately, Realtors® are here to answer them. Among the biggest we hear are; how do you get paid and how much and how do you work with other agents? It can certainly be confusing, and one wants to be certain when it comes to one of the biggest investments, so let’s get to the bottom of it.

How much do we charge for our services?

Contrary to some beliefs, there is no set number for this. Some agents will charge a percentage of the sales price while others will charge a flat fee. I think the biggest determining factors in what an agent charges are their experience and their level of service. Real estate agents have all levels of experience, some are just starting while others have been in the business for decades. The volume of

transactions can be a part of the experience as well, someone who has been in the business for 20 years but only does a few deals for friends and family may not have as much experience as someone who has been in the business for half that time but closes 30+ deals a year.

Sometimes it’s not always easy to see the work that we put into helping clients buy and sell homes, but that’s exactly the point. The best transactions are the ones where agents work together behind the scenes to make sure everything goes smoothly. This is a job that takes practice and it changes all the time, it’s up to us to be experts in not just homes, but markets, contracts, and a slew of other things. We get compensated not only for the time we spend with you on your home but the time and effort it’s taken us to get to our presentation at your kitchen table. Before we even meet you, we educate ourselves, market ourselves, maintain our licenses and insurance, spend time away from our families, advocate for our industry as well as our buyers and sellers and maintain our MLS which is the source of all data, even if you are finding that data somewhere else. Once you sign our Broker agreements we will (and this is not a complete list) help you price your home, drive you around to find a new property, advise you on positives and negatives in the process, we’ll give you our evenings and weekends, sometimes we even become therapists and marriage counselors. Whew!

The most important thing for consumers to remember is that our fee is always negotiable. It’s up to us to show our value, but remember negotiation is what we do. If you have an easy time negotiating a cheaper commission, ask yourself, how hard do you think that agent will negotiate on your behalf?

How do we work with other agents?

We are probably one of the few industries where everyone is in competition with

everyone else and at the same time we all work for a common goal. Cooperation has always been a foundation of our industry and both sides must cooperate with compensation as well. When I am listing a home, I always tell my sellers that it’s just as important that I am marketing that home to other agents as it is to potential buyers. It’s more than likely that another agent, probably from another company, is going to bring that buyer to the home and write me a contract. There is a good chance that the other agent has spent as much time as I have to help their client and they know when looking at an MLS listing how much compensation my seller is willing to offer them. By the seller offering compensation to other brokerages, it promotes home affordability, as buyers will have the opportunity to work with a trusted advisor to get them the best deal. They won’t have to pay more for that service in what is already an expensive process. Many buyers are only able to pay for the home, an additional fee might mean not being able to purchase. This would mean fewer buyers for homeowners trying to sell.

The local MLS fosters both cooperation and competition, it connects agents, allows brokerages to share data with the public and levels the playing field for large and small companies as well as new and experienced agents. The local MLS also creates consumer choice by displaying and promoting different business models like flat fee real estate companies. This free-market approach allows consumers to negotiate a commission based on the market and services rendered.

If you have any questions about cooperation, competition or the market ask your favorite Realtor, we love to talk!

Elliott Apartments are located in a historic residential neighborhood in Longmont, Colorado. Just two blocks from beautiful main street Longmont, Elliott Apartments has easy access to shopping, restaurants, and entertainment.

3312

3312.wkre.com

911 High Mountain Drive

Open Sat. 11am-1pm $1,975,000 New Custom Home 2 acres. Incredible Views! w w w 911 wkre.com

Luxur y living in the hear t of Denver's RiNo! w w w.2530 wkre.com

Jim Green: 303-775-2553

Janet Borchert: 720-564-6034

Barry Remington Team: 303-253-4916 138 Bonanza Drive Erie Open Sat. 10am-12pm

Gorgeous Panoramic Views! w w w.138.wkre.com

3312 Conestoga Court Evans Open Sun. 1-3pm

Spacious with views! Move in Ready! w w w.3312.wkre.com

13053 East County Line Road Longmont Open Sat. 1:30-3:30pm

Hard to find! Charming farmhouse on 30 acres. w w w 13053 wkre.com

Janet Borchert: 720-564-6034

Jenny Oliveira Getting: 970-534-1188

Jim Green: 303-775-2553 829 Grant Place

Classic vintage brick ranch in Uni Hill. w w w.829.wkre.com

Stu Wright: 303-888-1679

1225 Kalmia Avenue Boulder New Listing! $1,395,000 Stunning modern townhome. w w w.1225.wkre.com

Ardee Imerman: 303-946-5458

BOULDER OFFICE: 303 .443 .2240 LONGMONT OFFICE: 303 776 3344 wkre.com

7877 East Mississippi Avenue # 506 Denver New Listing! $362,000 Gated condo community with many amenities

w w.7877.wkre.com

Dene Yarwood: 303-808-0076

Why reverse mortgages had a bad reputation

qualify for a reverse mortgage. Before 2016, the requirements to qualify were only around age and home equity, that is all. There was no qualification to ensure that homeowners could afford to pay property taxes or home insurance or even maintain their home. Therefore, people could spend all the available equity in their home and if they ran out of money and failed to pay their property taxes, they would end up with a tax lien and in some cases, they lost their home to a tax default. This also happened in the case of not paying for or maintaining homeowner’s insurance as well. Ultimately, the reverse mortgage was being blamed for allowing this to happen.

Reverse mortgages have been around and insured by FHA (Federal Housing Administration) since 1988. Over the last 35 years, there have been dozens of changes and improvements to make reverse mortgages better and safer than they had been historically. Before we talk about the changes, I just want to remind you of the reverse mortgage basics in case you missed my previous articles. First, reverse mortgages are a great loan option for homeowners age 62 years of age and older (there are some loan options available starting at age 55) to access some of the equity in their home, without the requirement to pay it back monthly, while still maintaining ownership of their home, and retaining the option to sell their home at any time and still be able to pass their home onto their heirs. That all sounds great, right? Well, it is great, and the reverse mortgage is a very misunderstood program. (Please note that you must always pay your property taxes, home insurance and HOA dues if applicable).

So, let’s go back a few years and discuss some of the more recent changes that FHA has implemented to make the reverse mortgage a better and safer program than it was in the past. I believe the most important change that FHA made was in 2014. The FHA change that occurred in 2014 was around spouses under the age of 62. FHA requires that you must be at least age 62 to be considered a borrower on a reverse mortgage. Therefore, if you are under the age of 62 you cannot get a reverse mortgage or be a borrower on a reverse mortgage. However, if you are married and your spouse

is over the age of 62, you can be considered a “non-borrowing spouse”. Before the rule change in 2014, non-borrowing spouses had very few protections. Let me explain what I mean.

Let’s take an example. Say you are 60 years old, and you are married to someone who is 62 and you get a reverse mortgage. This is possible, but the 62-year-old would be the only borrower on the loan and the 60-year-old would be considered a “nonborrowing spouse”. Fast forward 30 years and let’s say the older spouse passes away at age 92. Before the rule change in 2014, the younger spouse (who is now 90 years old in this example) would have received a letter from their lender stating that their reverse mortgage must be paid back because the borrower (their spouse) was no longer living in the home. The 90-year widowed spouse was then forced to sell the home or refinance the loan to pay off the reverse mortgage. This was problematic for married couples who had a spouse that was under the age of 62 when they got a reverse mortgage and when the older spouse passed away. In my opinion, this was a horrible situation and caused the reverse mortgage to get a bad reputation, rightly so in these situations.

Thankfully, the FHA changed the rule in 2014 which now provides more protections for spouses under the age of 62 (nonborrowing spouses). The rule change now allows non-borrowing spouses to remain in the home and they are not required to pay off the reverse mortgage ever (extending the deferral period), as long as they are living in the home, paying property taxes, home insurance and HOA dues. This is by far one of the largest and most important changes to reverse mortgages which has made them much safer than they were before 2014.

Another major change, that took place in 2016, was centered around how homeowners

Therefore, in 2016 the FHA created a new requirement called the Financial Assessment. This financial assessment ultimately requires lenders to ensure that the homeowner has enough income or assets to be able to pay for the property taxes, home insurance and home maintenance and have some money left over to meet what we call a residual income requirement. The financial assessment also requires that lenders run a credit report to check how the homeowner has repaid their obligations in the past and see if they have consistently paid on time or not. Ultimately, the financial assessment allows the lender to determine the homeowner’s willingness and ability to repay their obligations going forward which have helped to alleviate tax defaults from happening. This again is a monumental rule change that has helped to protect homeowners with reverse mortgages so they can maintain their ongoing costs and obligations of maintaining the home.

Some people have a bad taste in their mouths about reverse mortgages because of some unfortunate situations where homeowners were losing their homes as I described above. However, we all must understand these changes have once again made the program safer and better than ever before. Due to these changes and other changes as well, the reverse mortgage is not the loan it used to be. Thousands of senior homeowners can now safely utilize a reverse mortgage.

Bodner is a retirement mortgage planner and licensed mortgage originator in Colorado. Gabe utilizes the latest research from the top researchers to assist his clients to live for today and plan for tomorrow. To reach Gabe, call 720.600.4870, e-mail gabe@bodnerteam.com or visit reversemortgagesco.com.

Gabe

GABE BODNER

REAL ESTATE Increasing the velocity of your wealth with real estate depreciation

In the U.S., real estate is known for appreciating over the long term. But what about the depreciation of real estate? Depreciation of real estate is a tax concept designed to promote investment in real estate, thereby increasing the supply of housing. Bottom line, real estate depreciation can save you money at tax time, increasing the velocity of your real estate investment.

The depreciation of real estate has a history. Depreciation allows you to get a tax break for investing in real estate. Before the Tax Reform Act of 1986, a real estate investor could use a tax concept called the “double declining balance” (DDB) method of depreciation. This would enable the investor to take double the straight-line depreciation in the early years of ownership. Today, we still use the depreciation concept, but it isn’t as attractive as it was before 1986. Now there are two types of depreciation available to residential property investors: straight line and component depreciation. In straight-line depreciation, there is a linear decline in the value of the property. The IRS considers the useful life, or the “wearing out” period of real estate improvements, to be 27.5 years. When depreciation calculations are applied, you can’t depreciate the value of the land since the land doesn’t “wear out”. Let’s consider an example for a clearer understanding of how this works.

If you purchase a property for $100,000— remember, this is just an example—the first step your accountant will take is to divide up the value between the land and the improvement. There are two ways to figure out how to divide up the value. One is to have an appraisal done. The most common method, however, is to look at the tax assessment. The tax assessment will divide up the total value of the property into land and improvement. Now, back to our example. Let’s say the tax assessor has allocated 20% of the value to land and 80% to improvement. In this example, that would mean 80% of $100,000 or $80,000 would be the number that can be depreciated. Taking the useful life of 27.5 years mentioned above and dividing that into $80,000, gives you a depreciation deduction of $2,909. In addition to the depreciation, real estate taxes and other expenses of the property can

offset rental income. The bottom line is that real estate, especially in the early years of ownership, will show a loss, which results in a tax deduction and tax savings.

Another form of depreciation is called component depreciation. This form of depreciation is seldom used for one singlefamily home. It tends to be utilized for multi-unit properties. In component depreciation, you break down the property into items that have shorter useful lives. For example, in a 20-unit apartment building you would have 20 refrigerators, 20 dishwashers, 20 ranges/ovens, etc. Those items have shorter useful lives than 27.5 years. The result is that you can usually have a higher depreciation number in the early years of the investment. The disadvantage is that you will need to pay for a thirdparty study to determine the numbers, and this might offset your tax savings. Your tax professional can help you determine which method is better for you.

That was the good news about depreciation. The bad news is a concept called recapture. When you go to sell the property, taking depreciation lowers the

basis of your property. This is the amount of depreciation you have taken while you owned the property. That means that the amount subject to capital gains tax will be higher. To avoid being taxed on the recapture, be sure to talk to your tax professional about executing a 1031 Exchange for another rental property. One more bit of bad news. There are limits on the amount of depreciation or passive losses you can take based on your income level. If you qualify for the Real Estate Professional Status, there may be ways to increase the amount that you can depreciate.

Be sure to discuss any of these concepts with your CPA or tax professional to determine how the real estate depreciation rules affect you personally.

Duane has been a Realtor since 1982. Living the life of a Realtor and being immersed in real estate led to the inception of his book, Realtor for Life. For questions, e-mail DuaneDuggan@boulderco.com, call 303.441.5611 or visit boulderco.com.

DUANE DUGGAN

Depreciation of real estate is a tax concept designed to promote investment in real estate, thereby increasing the supply of housing. Bottom line, real estate depreciation can save you money at tax time, increasing the velocity of your real estate investment.(Photo: Pexels).

HOME AND GARDEN

Colorado State University Extension: Emerald Ash

They emerge from trees during May and June by cutting their way through the bark, leaving a small exit wound shaped like the letter D. Larvae are white with a series of bell-shaped segments, and cause distinctive S-shaped damage called a “gallery” to the inner bark and phloem of ash trees.

Signs and symptoms of infestation

You’ll notice the canopy of your ash tree gradually thinning and worsening from year to year. In comparison, sudden dieback may be caused by extreme weather events or other acute wounds.

Your tree will start suckering. The tree tries to shoot new growth wherever it can, usually at the base of the tree or on the main branches.

Early fall color may appear in mid-tolate summer while surrounding ash trees remain green. Because early fall color can also be a sign of drought, check surrounding conditions to rule it out.

The leaves on all or part of the tree appear smaller and lighter in color, and cracking or splitting bark shows S-shaped galleries You may also notice a mottled appearance, caused by woodpecker activity as they remove bark in search of larvae.

used to control EAB, each with its own application method. They are imidacloprid, dinotefuran, ememectin benzoate and azadirachtin. They are sold under various trade names, and many must be applied by a licensed professional. Consult a licensed arborist for available control options in your situation. Treatment must be continued for the life of the tree.

CSU Extension Fact sheet 5.626 (Insecticides Used to Control Emerald Ash Borer on Residential Shade Trees) covers basic information about the insect and provides detailed control options, including availability and application.

The Colorado State Forest Service took the lead on education surrounding EAB after the quarantine was dropped. Check out their website at csfs.colostate.edu/forestmanagement/emerald-ash-borer/ for more information.

National EAB Awareness Week is May 2228. Start thinking now about how you can manage EAB on your property — untreated ash trees, if not infected already, will be — it’s just a matter of time.

For more information on this and other topics, visit extension.colostate.edu or contact your local CSU Extension Office.

By Patty Rhodes Colorado State University Extension

New to North America in 2002 and found in Boulder in 2013, emerald ash borer is a nonnative insect that established itself and began infesting and killing ash trees in the county. With no natural predators to keep it in check, its spread ensures the loss of true ash trees (genus Fraxinus) that are left untreated. Mountain ash (genus Sorbus) is not susceptible to EAB.

The quarantine put in place in 2013 into 2019 to block the movement of firewood and other hardwood across Boulder County borders was intended to slow EAB’s spread and give other areas time to prepare for its inevitable arrival, not to contain the invasive species.

This emerald ash borer gallery with shows S-shaped damage below the bark. (Colorado State University Extension ??

It worked as intended. EAB is still in Colorado, but with proper management, damage to ash trees can be controlled, and in some cases prevented.

Recognizing EAB

The adult beetle is a bright metallic-greencolored insect, about 10 to 13mm long.

Controlling EAB

There are four systemic-type insecticides

Patty Rhodes is a Colorado State University Extension Colorado Master Gardener.

LEFT: D-shaped exit holes in ash tree bark after the adult EAB emerges.

RIGHT: EAB Gallery with S-shaped damage below the bark. (Photos courtesy: CSU Extension).

Borer: (Not) gone and (hopefully) not forgotten

Ash Tree After Being Infected with the Emerald Ash Borer. (Photo: Shutterstock).

To view a more cities and a more complete list of new home communities and builders across the Colorado Front Range, view our interactive map online at: www AtHomeColorado com/NewHomeMap

ur region is home to more than 700,000 residents and includes some of the most diverse, natural landscapes and sustainable development along the Northern Front Range of Colorado It’s no wonder why those who live here stay and why our the area is coveted as a place to relocate to Here we highlight a selection of the area ’ s new home communities and which builders are building where

BERTHOUD

Farmstead

Builder: Sage Homes

Rose Farm Acres

Builder: Richmond American

Heron Lakes –

TPC Colorado

Builder: Landmark Homes, Lifestyle Custom Homes, Toll Brothers

BOULDER

Velo Condos

Builder: Thistle Velo LLC

BROOMFIELD

Baseline Colorado

Builders: Boulder Creek

Neighborhoods, Meritage Homes, Thrive Home Builders

Vive on Via Varra

Builder: Meritage Homes

ERIE

Coal Creek Commons

Builder: Century Communities

Colliers Hill

Builders: Boulder Creek

Neighborhoods, KB Home, Richmond American

Compass Builder: Lennar

Erie Highlands Builder: Oakwood Homes

Erie Village Builder: Porchfront Homes

Flatiron Meadows Builder: KB Home, Taylor Morrison, Toll Brothers

Morgan Hill Builder: Lennar

Rex Ranch

Builder: Taylor Morrison

Westerly

Builder: McStain Neighborhoods, SLC Homes Wonderland Homes

Wild Rose

Builder: Lennar

FIRESTONE

Barefoot Lakes

Builder: Brookfield Residential, Creekstone Homes, Lennar, Richmond American Homes

FREDERICK

Seasons at Silverstone

Builder: Richmond American Homes

GREELEY

Northridge Trails Townhomes

Builder: Hartford Homes

Promontory

Builder: Journey Homes

JOHNSTOWN

Park House Thompson River Ranch

Builder: Oakwood Homes

The Ridge at Johnstown

Builder: Bridgewater Homes

Pintail Commons at Johnstown Village

Builder: Richfield Homes

Mountain View Builder: Baessler Homes

LAFAYETTE

Blue Sage

Builder: Markel Homes

Avalon Meadows

Builder: Von’s Colorado Concepts

Silo

Builder: Cornerstone Homes

Silver Creek

Builder: Markel Homes

LONGMONT

Highlands at Fox Hill

Builders: Dream Finders Homes, Landmark Homes

Terry Street Townhones

Builder: New Leaf Properties

LOUISVILLE

North End

Builder: Markel Homes

LOVELAND

The Enclave at Dakota Glen

Builder: Glen Homes

The Enclave at Mariana Butte

Builder: American Legend Homes

Eagle Brook Meadows

Builder: Bridgewater Homes, Challenger Homes

The Lakes at Centerra

Builder: Bridgewater Homes, Landmark Homes, KB Home

Kinston at Centerra

Builder: Richmond American Homes, Dream Finders Homes

MILLIKEN

Brookstone

Builder: Windmill Homes

Sunfield

Builder: Windmill Homes

SUPERIOR

Downtown Superior

Builder: Thrive Home Builders, Remington Homes

Heights at Downtown Superior

Builder: Toll Brothers

Lanterns at Rock Creek

Builder: Boulder Creek

Neighborhoods

Montmere at Autrey Shores Builder: Koelbel

Rogers Farm Builder: Boulder Creek

Neighborhoods

TIMNATH

Harmony Builder: Landmark Homes

Serratoga Falls

Builder: American Legend Homes, Richmond American Homes

Timnath Lakes Builder: Toll Brothers

Trailside

Builder: Wonderland Homes

Wildwing Patio Homes

Builder: Hartford Homes

WINDSOR

Country Farms Village

Builder: Landmark Homes

Greenspire

Builder: Windmill Homes

RainDance

Builder: American Legend Homes, Hartford Homes, Wonderland Homes

Seasons at Hunters Crossing

Builder: Richmond American Homes

Vernazza Builder: Landmark Homes

Village East Builder: Journey Homes

FIND YOUR DREAM HOME!

“We originally thought we did not need an agent to help us with our new home purchase and after several months of frustration, a friend suggested we contact Mar y at Boulder Home Source, within a month she helped us find the perfect new build and negotiated a lower rate and upgrades that we never expected ” The Smiths

OPEN HOUSE QUICK GUIDE

ARVADA

8716 Flattop St.

$850,000

Sat., 11 a.m.-2 p.m.

Will Calkins

RE/MAX of Boulder (303) 818-8599

BERTHOUD

2188 Cadman St.

$625,000

Sun., 11 a.m.-2 p.m.

Jean MacDonald

LoKation Real Estate

(720) 343-6304

3312 Meining Road

$935,000

Sat., 1-3 p.m.

Jim Green

WK Real Estate

(303) 775-2553

911 High Mountain Drive

$1,975,000

Sat., 11 a.m.-1 p.m.

Kim Zapresko

WK Real Estate

(813) 270-2888

BOULDER

4012 Mustique Court

$1,350,000

Sat., 1-3 p.m.

Julie Johnson

WK Real Estate

(303) 319-3346

1524 W. Coach Road

$2,500,000

Sat., Noon-2 p.m.

Jim Thomas

RE/MAX Alliance (303) 543-0625

BROOMFIELD

11278 Colony Circle

$614,500

Sat., Noon-2 p.m.

Chris Ermold

RE/MAX Alliance

(720) 839-4354

ERIE

138 Bonanza Drive

$754,000

Sat., 10 a.m.-12 p.m.

Joshua Legare

WK Real Estate

(720) 325-7394

110 Nova Court

$800,000

Sat., 10 a.m.-12 p.m.

Sun., 1-3 p.m.

Jim Thomas

RE/MAX Alliance

(303) 543-0625

EVANS

3312 Conestoga Court

$465,000

Sun., 1 -3 p.m.

Jenny Oliveira Getting

WK Real Estate

(970) 534-1188

FORT COLLINS

2208 Cocklebur Lane

$899,000

Sun., Noon-3 p.m.

Cody Heyne

RE/MAX Alliance - Fort Collins (970) 402-5469

LAFAYETTE

452 Levi Lane by Markel Homes

Starting from $529,900

Fri. - Mon., 11 a.m.-5 p.m

Thurs., 11 a.m.-5 p.m..

Marlita Lazo

Markel Homes

(303) 651-9565

2283 Eagles Nest Drrive

$1,174,000

Sat., Noon-3 p.m.

Sun., 11 a.m.-1 p.m.

Brian MacDonald

Compass

(303) 915-6126

LONGMONT

1321 Hilltop Drive

$575,000

Sun., 11 a.m.-1 p.m.

Natasha Hubbard

RE/MAX Alliance

(303) 909-3810

1337 Baker Street

$609,900

Sat., 1-3 p.m.

Brian Hellwig

RE/MAX of Boulder

(303) 818-6592

5801 Grandville Ave.

by Markel Homes

Starting from $614,900

Fri.-Thurs., 11 a.m.-5 p.m.

Roz Pinon

Markel Homes

(720) 583-2170

1816 Sunshine Ave.

$680,000

Sun., Noon-2 p.m.

Kevin Murray

RE/MAX Alliance

(303) 818-9249

13053 E. County Line Road

$1,500,000

Sat., 1:30-3:30 p.m.

Joshua Legare

WK Real Estate

(720) 325-7394

1615 Stardance Circle

$2,850,000

Sun., Noon-2 p.m.

Kiki Kidder

Compass

(303) 817-6100

THORNTON

9767 Clermont Lane

$410,000

Sat., Noon-2 p.m.

April Porterfield

RE/MAX Elevate

(910) 200-7444

To list your open house or view this week’s open houses in more detail, visit: openhomes.athomecolorado.com

REAL ESTATE TRANSACTIONS

The Following Northern Colorado Home Sales were supplied by Colorado Weekly Homebuyers List Inc., 303-744-2020. Listed are the buyer, the property address, the seller and the amount.

AULT

• Timothy and Jaimie Morton -54572 County Road 53, Cmh Homes Inc, $574,300.

BERTHOUD

• Hunter Maher -- 670 Prairiestar Drive, Jeffery and Amy Genger, $480,000.

• Michael and Lauren Dalrymple -- 622 Wild Honey Drive, Andrew R Hickey, $580,000.

• Justin Cox -- 1586 Vantage Parkway, Melody Homes Inc, $599,000.

• Mary Zweighaft -- 346 Bronco Court, Bradley Gagon, $700,000.

• Steven and Janet King -- 4383 Estate Drive, Paul and Suekyung Farabaugh, $1,775,000.

•

BOULDER

• Eugene Toy -- 350 Arapahoe Ave. Apt 2, William R Eleazer, $175,000.

• Mariko Hodgkinson -- 760 Crescent Drive, David Lamy, $183,300.

• Robert Nickerson -- 7745 Durham Circle, Karl and Sher Cunningham, $270,000.

• Daniel Chen -- 4990 Meredith Way Apt 301, Kelvin Mahoney, $409,000.

• Kathryn Kelley -- 535 Manhattan Drive Apt 204, Dennis and Alta Drumm, $525,000.

• Susan and Eric Milhous -- 2946 Kalmia Ave. Apt 51, Kevin D Schill, $625,000.

• Keiley Gaston -- 3085 Edison Court, Robert L Clark, $640,000.

• Maurice Alexander -- 102 Goatbarn Lane, Jason Wayne Smith, $665,000.

• Pamela Lundeberg -- 1502 Sumac Ave., Andrew La Manna, $825,000.

• Thomas and Emily Potter -305 S 36th St., Mathew and Alexandra Roling, $869,000.

• Cynthia Divino -- 5450 La Plata Circle, Lorna Kellogg, $889,000.

• Craig Books -- 5091 Idylwild

Trail, Christian James Moore, $1,042,000.

• Sean and Noelle Verfurth -- 880 Waite Drive, Arielle Strong, $1,075,000.

• Alexander Read -- 1298 Linden Drive, Michelle L Bishop, $1,115,000.

• Jonathan Lurie -- 5510 Friends Place, George and Cynthia Longfellow, $1,125,000.

• Brooke Neely -- 2840 La Grange Circle, Twisted Properties LLC, $1,125,000.

• Jared Minor -- 849 17th St., Highland Properties 3322 LLC, $1,128,000.

• Christopher Holloway -- 335 S 42nd St., Susan Wittmanholloway, $1,155,000.

• Denis Darmon -- 3670 Silver Plume Lane, 3670 Silver Plume Ln LLC, $1,235,000.

• Irina and Vladimir Shestak -4556 Sprucedale Place, Chris and Linda Hansen, $1,360,000.

• Robin and Leanne Malloch -- 4068 Eleuthera Court, Honor Kristine Ashbaugh, $1,373,000.

• Patrick Owen -- 115 S 36th St., Matthew and Matthe Lawrence, $1,400,000.

• Joel Gratz -- 2890 Regis Drive, Karlene Howell Ferguson, $1,450,000.

• Shannon Kaestle -- 357 Canyonside Drive, Rosalynn Dianne Gill, $1,450,000.

• Soma Saha -- 9 Canyon View Road, Victor and Molly Vizzuett, $1,640,000.

• Kathleen and Dru Borden -- 7538 Spring Drive, David Michels, $1,885,000.

• Mark Hesselink -- 372 Hollyberry Lane, Alvin and Kathleen Neumann, $2,341,000.

• Matthew Richtel -- 2503 Norwood Ave., Kelly M Eyen Revocable Trust, $2,665,000.

EATON

• Eric and Ashley Mcarthur -- 16 S Mountain View Drive, Travis and Keisha Black, $590,000.

• Daniel Bradford -- 14082 County Road 76, Daniel and James Jones, $900,000.

ERIE

• Ronald and Tracey Smits -- 1735 Carlson Ave., Mark Carrington, $450,000.

• Sarah Janklow -- 762 Eva Peak Drive, Bryan and Aileen Rodriguez, $590,000.

• Umakanta Dahal -- 486 Gold Hill Court, Richmond Am Homes Colo Inc, $599,000.

• Katherine and Derek Wood -- 651 Brennan Circle, Roy and Roy Bishop, $625,000.

• Raymond Aguilar -- 643 Grimson Place, Bethany and Daniel Bureau, $630,000.

• Cathleen Wright -- 1236 Coal Way, Kb Home Colo Inc, $652,100.

• Debanjan Mukherjee -- 1385 Siltstone St., Kb Home Colo Inc, $675,200.

• Michael and Kristin Mckinley -- 825 Gold Hill Drive, Richmond Am Homes Colo Inc, $719,200.

• Alexander and Monika Andony -- 1725 Meagan Way, Century Land Holdings LLC, $764,400.

• Susan Loft -- 701 Sun Up Place, John David Huddleston, $775,000.

• George and Kelly Mcmahan -- 824 Bear Peak Road, Richmond Am Homes Colo Inc, $775,000.

• Scott Goldstone -- 1724 Meagan Way, Century Land Holdings LLC, $826,700.

• Justin and Allison Schuyler -- 143 Nova Court, Paul and Maria Harmon, $850,000.

• Sebastiaan Debieirinavkhoury -- 601 Sun Up Place, Jennifer and Louis Bednar, $901,200.

• Robert and Nancy Dutton -- 1369 Catalpa Place, Vernon and Mary Langstraat, $1,200,000.

EVANS

• Kimberly Gutierrez -- 1317 Darrell Road, James and Pealy Orlin, $225,000.

• Jacob Soliday -- 2609 Port St., Travis Groves, $410,000.

GREELEY

• Lorilee Scott -- 5151 29th St. Unit 1610, Paul and Sharon Markus, $240,000.

• Victor and Tina Perez -- 414 37th Ave., Maria Edith Ramirez, $255,000.

• John and Karen Hammen -5151 29th St. Unit 1912, Alan L Bases, $260,000.

• Kaylie and Juan Saldivar -- 420 7th St., Debra K Thompson, $274,000.

• Joshua Trevino -- 1441 7th St., Desirae E Balltrip, $279,900.

• Kylee Macheledt -- 2708 19th St. Drive Apt 25, Toby and Kelsey Nordhoff, $280,000.

• Erik and Andrea Truchses -1807 15th Ave., Josh Culver, $305,000.

• Rhiley Forbes -- 1206 31st Ave., Kenneth Kyle Cunning-

ham, $308,000.

• Luis Olivas -- 2500 W 4th St., Ackerman Properties LLC, $309,500.

• Shawna Wright -- 2095 36th Ave., Connie L Canfield, $350,000.

• Joshua and Karrie Ferris -4355 24th St. Road Unit 2304, Ian Chubb, $353,000.

• Yvette Alberts -- 2528 W 14th St. Road, Darren and Barbara Veale, $360,000.

• Kenneth Cunningham -- 406 28th Ave. Court, Baat Legacy LLC, $361,100.

• Daniel Cruz -- 2712 W 6th St., Faith M Davisson, $365,000.

• Jesus Casas -- 1426 24th Ave., Daniel Marquez, $380,000.

• Noelle Bates -- 6717 4th St. Road Unit 2, Hartford Constr LLC, $381,000.

• Juan Cortes -- 2733 W 14th St., Kendra and Danial Hixon, $383,500.

• Stephanie Soto -- 6721 4th St. Road Unit 6, Hartford Constr LLC, $397,500.

• Wesley Cook -- 1606 102nd Ave. Court, Journey Homes LLC, $398,400.

• Miguel and Tanisha Cisneros -337 E 28th St. Road, Elizabeth and M Cerrillo, $398,500.

• Cole and Maria Raney -- 1217 102nd Ave., Terri Hanko, $400,000.

• Ismiel and Maria Gutierrez -1618 102nd Ave. Court, Journey Homes LLC, $400,300.

• Garrett and Jasmine Rankin -1706 102nd Ave. Court, Journey Homes LLC, $403,700.

• Brian England -- 10204 17th St., Journey Homes LLC, $420,000.

• Mark Johnston -- 1617 102nd Ave. Court, Journey Homes LLC, $422,400.

• Stephanie Mize -- 4426 W 9th St., Jonathan and Erin Payne, $430,000.

• Joshua Rysavy -- 2505 49th Ave. Court, P P Properties LLC, $434,500.

• Sheng Wu -- 8412 W 17th St. Road, Alvaro J Aguirre, $445,000.

• Marcela Reitzenstein -- 7418 23rd St. Road, Cristian Diaz Rivas, $445,000.

• Katherine and Kurtney Devaras -- 10424 17th St., J J Constr Northern Colo LLC, $450,000.

• Jonathan Rivas -- 10200 17th St., J J Constr Northern Colo LLC, $457,200.

• Jason Falk -- 10432 17th St., J J Constr Northern Colo LLC, $467,300.

• Michelle and Lauren Odell -- 1993 43rd Ave., Hugo Reyes Talamantes, $478,700.

• Elizabeth and Miguel Cerrillo -- 6638 4th St. Road, Hartford Constr LLC, $499,000.

• James and Pamela Liebl -- 615 62nd Ave. Court, Debra Street, $499,900.

• David and Terri Yetter -- 1011 9th Ave., M1 Invest LLC, $575,000.

• Dominic and Sarah Magdaleno -- 504 66th Ave., Hartford Constr LLC, $611,300.

• Bradley and Lauris Laue -2102 64th Ave., Jared and Tabitha Schanhals, $625,000.

• Ian Dvorak -- 2438 6th Ave., Neal Dvorak, $700,000.

• Kevin and Patricia Schwindt -- 5301 W B St., Daniel Scott Malpiede, $820,000.

HUDSON

• James and Jeanette Nelson -- 550 Hickory St., 550 Hickory LLC, $240,000.

JOHNSTOWN

• Dylan Poley -- 242 Oriole Way, Baessler Townhomes Colo LLC, $342,900.

• Travis and Kassidy Thompson -- 3249 Tamarac Lane, Christoph Wachler, $460,000.

• Stacey Jiron -- 490 Territory Lane, Jordan A Wilkes, $499,900.

• Dylan and Sarah Nave -- 332 Sycamore Ave., Lynette D Sparks, $501,400.

• Rebecca and Jacqueline Smith -- 2539 Siskin Way, Melody Homes Inc, $542,500.

• Sarah Gauntt -- 788 Harvard St., Lennar Colo LLC, $552,400.

KEENESBURG

• Ximena Delpilarperezgarci -- 409 Thomas Ave., Sandra Christenbery, $386,000.

• Roman Moreno -- 220 Zachary St., Brett and Rebekah Schoff, $395,000.

LA SALLE

• Jacob Margheim -- 16274 County Road 40, Gerald Johnson, $80,000.

LONGMONT

• Karon Sadhnani -- 1703 Whitehall Drive Unit 8c, John and Marjorie Burns, $420,000.

• Adriana Richards -- 60 Empire Place, Jennifer and Aaron Breidegam, $430,000.

• Lucy Hedley -- 239 Cardinal Way, Kyle and Sarah Fritzler, $470,000.

• Scott Basche -- 1293 Fall River Circle, Stephen and Andrew Howard, $487,000.

• Nancy Bergen -- 813 Widgeon Circle, Matthew J Selby, $490,000.

• Zachary Stigall -- 908 2nd Ave., Augustus Anthony Piazza, $505,000.

• Melissa Pluss -- 2436 Yukon Drive, Kb Home Colo Inc, $533,600.

• Michael and Christine Coon -2485 Winding Drive, Kb Home Colo Inc, $557,800.

• Andrew Volent -- 1297 Fall River Circle, Kathryn Mary Kelley, $565,000.

• Kurt and Janae Stratman -2424 Yukon Drive, Kb Home Colo Inc, $565,000.

• Jennifer Gonzalez -- 713 Alpine St., Salvatore J Villano, $585,000.

• Barbara and Pierre Lyons -2432 Yukon Drive, Kb Home Colo Inc, $662,600.

• Joseph Nofziger -- 2321 Watersong Circle, Steven K Wolk, $695,000.

• Zavvie Offers -- 852 Windflower Drive, Janet W Hart, $700,000.

• Benjamin Seaman -- 739 Glenarbor Circle, Cheryl R Crouch, $725,000.

• Kenneth and Tobi Benton -2389 Provenance St., Kathleen Elizabeth Olsen, $735,000.

• Melanie Hekkelmanpiazza -- 1001 E Longs Peak Ave., Zavvie Offers, $790,000.

• Stephen and Andrea Gonzalez -- 4731 Lakeside Drive, Patrick Larry Connors, $790,000.

• Allison and William Thompson -- 14231 E County Line Road, Achi Holdings LLC, $1,100,000.

LOVELAND

• Erik and Rachel Bringleson -3722 Red Oak Court, Loritta E Slayton, $310,000.

• Joan Feist -- 3103 Da Vinci Drive, Aspen Homes Colo Inc, $348,000.

• Eva Wiermarch -- 1668 Oak Creek Drive, Robin C Foster, $352,000.

• Leah Roybal -- 328 E 11th St., 328 E 11th Trust, $360,000.

• Brian and Hollend Curtis -- 2421 10th St. Sw, Hazel L Dunn, $385,500.

• Rebecca Martinson -- 4409 Filbert Drive, Dillon Solberg,

$422,700.

• Jason Wolf -- 2698 Painted Turtle Ave., Lennar Colo LLC, $425,000.

• Thomas King -- 2678 Painted Turtle Ave., Lennar Colo LLC, $430,000.

• Susan Levine -- 2334 Opal Court, April T Macgowan, $438,000.

• Collin Reed -- 2176 Chancery Drive, Randy and Kathleen Mcreynolds, $443,000.

• Brian and Karina Mcclure -- 2938 Yew Drive, Andrew R Lyon, $455,000.

• Gina Ricciardi -- 3004 Minnesota Place, Gary and Charlotte Baxter, $462,000.

• William Wallace -- 2785 Sapphire St., Mckenzie L Brown, $475,000.

• Sarah and Vince Casella -1566 Katie Drive, Frank and Kryste Hightower, $475,000.

• Thomas Stuper -- 3979 Evans Court, David Brent Snodgrass, $482,000.

• Derek Aragon -- 2463 Cabin Creek Ave., Lennar Colo LLC, $490,000.

• Ivan Mercado -- 2538 Painted Turtle Ave., Lennar Colo LLC, $515,000.

• Kevin Burgess -- 2468 Cabin Creek Ave., Lennar Colo LLC, $520,000.

• Jeffrey and Colleen Weissmann -- 2494 White Pelican Ave., Dfh Mandarin LLC, $563,200.

• Carrie Tregenza -- 1525 Rancho Way, Kim and Adam Watchorn, $565,000.

• Frank and Krysten Hightower -- 5601 Maher Ave., Tralon Homes LLC, $605,000.

• Michael and Joyce Edgar -5445 Ault Drive, Tralon Homes LLC, $625,000.

• Hieu Nguyen -- 3146 Bridal Veil Falls Drive, Derek and Ashley Mensah, $634,500.

• Pushpaak Ramesh -- 2494 Cottongrass Ave., Dfh Mandarin LLC, $655,000.

• Scott and Dawn Saxman -4246 Martinson Drive, Artesia Lot Holdings LLC, $670,000.

• Pramod Prakash -- 3621 Peckham Court, Dean W Williams, $720,000.

• Jacklyn Neill -- 6139 W County Road 18, Isaac and Lynda Valdez, $722,000.

• Francis Eparvier -- 3457 Red Orchid Court, Steven W King, $933,700.

• Jon Squadrito -- 4463 Nolan Lake Court, Bridgewater Homes LLC, $1,005,700.

TIMNATH

• Dorance Johnson -- 5257 Alberta Falls St., Theodore J Velasquez, $590,000.

• Kathryn Noble -- 6941 Summerwind Court, Reymundo Chapa, $615,000.

• Terri Gortner -- 6091 Goodnight Ave., Gh Colo LLC, $694,800.

• Teresa and Donald Cline -5201 John Muir Drive, Hartford Constr LLC, $773,000.

• Herman Feissner -- 1112 Hawkshead St., Gina Mae Brewermills, $1,010,000

WINDSOR

• Misty Whitham -- 316 4th St., Yvette Alberts, $357,900.

• Luke Sumner -- 1230 Westwood Drive, Lynn and Anice Young, $414,100.

• Maosi and Yijia Chen -- 5843 Indian Wells Court, Richmond Am Homes Colo Inc, $455,000.

• Arthur and Victoria Mearns -542 Edenbridge Drive, Steven L Dutro, $490,000.

• Samuel and Brigita Fiske -1644 Kelmsley Court, Mathew Gallegos Trust, $540,000.

• Glen and Kristin Mooney -5761 Bay Hill Drive, Richmond Am Homes Colo Inc, $575,000.

• Andrew Daigle -- 6245 Vernazza Way Unit 2, Vernazza Townhomes LLC, $583,800.

• Steven and Theresa Henley -265 Redmond Drive, Orlando Ramirez Lechuga, $625,000.

• Shaun and Patricia Severin -- 2093 Gather Court, Misti Molitoriss, $645,000.

• John and Sheila Dalton -- 6068 Carmon Drive, Brandon and Danielle Kennedy, $659,000.

• Nathan and Candace Walker -- 947 Tail Water Drive, Danny and Kelly Secrest, $685,000.

• Brandon and Danielle Kennedy -- 843 Lanceleaf Drive, Windmill Homes Co, $710,200.

• Brian and Sandra Gage -- 250 Sutherland Drive, Matthew and Maria Houston, $729,000.

• Jared Boulter -- 2026 Blue Moon Drive, Gh Colo LLC, $833,800.[Epderek and Jennifer Jenke -- 2092 Falling Leaf Drive, Artesia Lot Holdings LLC, $901,100.[Epkenneth Andrews -- 1750 Abundance Drive, Artesia Lot Holdings LLC, $990,000.[Epscott and Paige Zahorik -- 6190 Bromborough Drive, William and Tamara Jenkins, $1,150,000.